Need additional information on the TD Ameritrade & Schwab merger?

LEARN MORE
Pure Financial Advisors
CALL CONTACT FORM CRS LOCATIONS LOG IN GET AN ASSESSMENT
  • Financial Resources
    • All White Papers
    • Blog
    • Educational Events
    • Educational Videos
    • Free Assessment
  • Retirement Workshops
    • Denver Workshops
    • Digital Workshops
    • Los Angeles Workshops
    • Orange County Workshops
    • San Diego Workshops
    • Seattle Workshops
  • Financial Planning
    • Cash Flow Analysis
    • Estate Planning
    • Retirement Planning
    • Risk Management Consulting
    • Tax Planning
  • Investment Planning
    • Global Portfolio Diversification
    • Institutional Access
    • Investment Portfolio Asset Allocation
    • Our Investment Philosophy & Investment Best Practices
    • Portfolio Rebalancing Services
    • Tax Management Services
  • The Pure Difference
    • Contact Us
    • Fees
    • Locations
    • Meet the Team
    • News
    • Our Story
  • Your Money, Your Wealth
    • All Podcasts
    • All TV Episodes
    • All TV Shorts
    • Ask Joe & Al
    • Guests
    • Special Offer
Your Money, Your Wealth® podcast

YMYW Podcast

Your Money, Your Wealth® podcast with Joe Anderson, CFP® and “Big Al” Clopine, CPA. New episodes every Tuesday on your favorite podcast app.

Subscribe to YMYW

More Podcasts

Purefinancial

Can You Shorten Your Working Years?

Can Sven and Olga in Minnesota shorten their working years? Should PJ in Michigan take his pension lump sum or the annuity payments, and should he maintain an aggressive asset allocation in retirement? Plus, the fellas spitball early retirement strategies for Joe in Massachusetts and Nick in California, and they discuss how to tell the difference between post-tax contributions and pre-tax funds converted to Roth at tax time for Victor.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

19
SEP
2023
LISTEN NOW

Market Timing, Pension & Roth Conversion Retirement Spitball

How will a diet COLA on a pension affect retirement plans for Joe and Barb in Tulsa? Percy in South Carolina has a pension too. He’s timing the market, but should he change his investing strategy as he approaches retirement? Plus, Michael in Virginia needs ideas to fund a custodial Roth IRA for his 3-year-old and 2-month-old kids, and Rocco in NYC catches Big Al on capital gains exclusions. But first, will scary future events mean Michelle in San Diego will have to pay more tax and the highest possible Medicare premiums?

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

05
SEP
2023
LISTEN NOW

What Are the Rules for Taking Money From a Roth IRA?

Charles has had it with Joe and Big Al stumbling through the Roth 5-year rules, so he explains to the fellas, once and for all, the rules for withdrawing money from a Roth IRA. Plus, is Shane missing any retirement risks before he retires early at age 55? Nick wants to know if employers are required to adopt all of the provisions in the SECURE Act 2.0, or if they can pick and choose which to implement, like they can with the rule of 55? Plus, how can Stew offset huge capital gains on the sale of an inherited house, and we revisit whether George can move investments in-kind from an inherited trust to a brokerage account. 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

29
AUG
2023
LISTEN NOW

Spitballing Retirement and Social Security for Worst Case Scenarios

Harsh realities of life can very quickly change your retirement plans and your entire financial future. In this episode, spitball on dealing with these realities. What financial strategies can they suggest for William and his 33-year-old wife, who has metastatic breast cancer? Debbie and Emily each experienced the unexpected sudden passing of their partners. Is it possible to minimize the capital gains tax on Debbie’s son’s inheritance, and can Emily retire in a year? Josie has lousy longevity in her family and wants to plan for the worst-case scenario of dying before her husband. Alfred is 81 and concerned that he’s going to run out of money before he runs out of time, and Richard has a sobering story that changed his thoughts about when to collect Social Security. Finally, Irene is subject to the Government Pension Offset (GPO) – can she withdraw the money she paid into Social Security?

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

22
AUG
2023
LISTEN NOW

RSU, Mutual Funds, Bonds, and Annuities

What’s the best strategy for E-Dog’s restricted stock units with his employer, how are RSUs taxed, and how do Roth conversions fit into the mix? Should Jay in Raleigh liquidate his annuities or follow “Stan the Annuity Man’s” advice and take the annual payments? Elisa wants to know how a mutual fund portfolio would work in retirement, and what’s a good way for listener Joe to invest in bonds in a taxable account to bring his portfolio back into proper balance? Finally, the fellas spitball on Medicare savings vs. Roth conversions for David, and an unrealized gain strategy on an UTMA education savings account for Jay in California.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

15
AUG
2023
LISTEN NOW

Are Roth Conversions Really as Good as They Sound?

Christine isn’t sure that Roth conversions are all they’re cracked up to be. Erick needs a retirement spitball analysis for his Roth conversions, annuities, and the real estate in his self-directed IRA, Billy the disgruntled attorney wants to know if he can retire now, and Zach wonders just how bad is it to rely on the lottery for retirement? But first, Joe and Big Al spitball retirement strategies for three members of the US military.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

01
AUG
2023
LISTEN NOW

$7M Tax-Free or $10M Retirement? Backdoor Roth or Lower Fees?

Should Carl Spackler stick with his backdoor Roth strategy, or go for lower fees? Should Kevin go all Roth, or stick with his current three tax-diversified buckets strategy? (That depends – would he rather have $7 million tax-free, or $10 million in tax-deferred retirement accounts?) Can Lily claim all the extra allowances she can, to jam as much money as possible into her Roth? Can Dave retire now and ride his motorcycle into the Bavarian Alpine sunset, and does Peggy Lee need to be feverish about the tax underpayment penalty with her Roth strategy?

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

25
JUL
2023
LISTEN NOW

Unspoken Assumptions About Collecting Social Security

YMYW listener Alan feels that there are two unspoken assumptions that many different podcasters make when it comes to claiming Social Security benefits. Today on Your Money, Your Wealth® podcast 437, Joe Anderson, CFP® and Big Al Clopine, CPA spitball on those assumptions, along with safe retirement withdrawal rates before and after Social Security and pension for Rick and Jen, and a thrift savings plan (TSP) and Social Security retirement strategy for Theresa. Plus, Mark and his wife are semi-retired at 51 and 44. Are they going to run out of money? Where should Mary be saving for retirement, and how should she handle large Roth conversions before required minimum distributions (RMDs) kick in? 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

11
JUL
2023
LISTEN NOW

The Ultimate Guide to Roth IRAs

Updated for 2023: Interested in a retirement account that will expand your finances tax-free? Learn everything your need to know about Roth IRAs in this white paper. In this guide, you’ll learn… What a Roth IRA is and the benefits Differences between a Roth IRA and Traditional IRA Rules of Roth IRA contribution limits Roth […]

07
JUL
2023
READ MORE

Invest or Pay Off the Mortgage?

It’s a common question: should you pay off your mortgage when you have extra cash, or invest for retirement? Joe and Big Al spitball on how Ms. Moneybags and her wife-to-be should use their upcoming windfall. Plus, what should Bob’s asset allocation be as he nears retirement? Should Harley and Harlene do Roth conversions after tax rates increase, and should they take advantage of net unrealized appreciation (NUA) on Harlene’s company stock? Pete needs a 13-year retirement plan sanity check, Lauren wants to know if she can retire early or at least go part-time, and Michael and Carol want the fellas to spitball whether they’re on track for retirement.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

04
JUL
2023
LISTEN NOW

Ready to Retire? 5 Retirement Spitball Analyses

Joe and Big Al spitball five different retirement plans: Is Jaybird on track to retire with a decent nest egg? Should Ted and his wife use the retirement smile spending pattern and spend more early in retirement? Is it safe for Aaron to retire at age 59 and a half? How much can Karla convert to Roth for the most tax-efficient retirement withdrawal plan? LEO Jay has Roth TSP retirement strategy questions, and Lynn suggests a super-easy Roth conversion calculator – but Big Al’s got an even easier idea. 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

20
JUN
2023
LISTEN NOW

Tax “Jailbreak” Early Retirement Strategy: Sense or Nonsense?

Can you retire before age 55 simply by contributing to your 401(k) only up to the company match and then saving to a brokerage account? Joe and Big Al spitball on using this so-called tax “jailbreak” strategy to retire early. Plus, is Christine on track to have $150,000 present value to live on in retirement? Is John stuck just watching his money grow and turn into big required minimum distributions? Can Jackie contribute to a SEP IRA and convert it all to Roth? And what do the fellas think of Lee’s I-Bond emergency fund? 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

06
JUN
2023
LISTEN NOW
SEASON 9, EPISODE 6

How to Build a Recession-Proof Portfolio

When you hear the word recession, what comes to mind: run for the hills, or golden opportunity? From bear markets to rising inflation, the conditions that create a recession can impact your investments and your ability to retire. If you make the wrong financial moves during a recession it can take decades for your portfolio […]

04
JUN
2023
WATCH NOW

How to Calculate Your Retirement Needs in Future Dollars

How much will money will you need in retirement, adjusted for inflation? Joe and Big Al spitball on your future dollars, how to calculate the tax on Roth conversions, and the benefits of converting to Roth when financial markets are down. Plus, should retirement savings contributions be half pre-tax and half post-tax? And finally, saving to a 529 plan for your kids, or sending them to Hollywood stunt training camp – which would you do!? 

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

30
MAY
2023
LISTEN NOW

HSA to Roth, RMD Investing, and Social Security Strategies

Can you convert your health savings account (HSA) to Roth, and do the five-year Roth withdrawal clocks apply? What should you do with money you’d been putting to your student loan debt if you’re part of the student loan forgiveness program? What’s the best way to invest your RMDs, or required minimum distributions? How does IRMAA, the income-related monthly adjustment amount for Medicare, apply to zero-coupon municipal bonds? And finally, strategies for collecting survivor Social Security benefits.

Follow the YMYW podcast Subscribe to the YMYW newsletter

FOLLOW US: YoutubeFacebookTwitterLinkedIn

16
MAY
2023
LISTEN NOW
Load More

We’ve Got You Covered

Whether you’re nearing retirement, in retirement, had a life-altering event or need investment advice, Pure Financial’s fee-only fiduciary financial advisor team helps craft an investment strategy and retirement plan based on the best interest of your financial goals.

GET AN ASSESSMENT

Find What You Are Looking For

Looking for a podcast on a specific topic? We can help you find it.

Investing ()
Retirement Planning ()
Retirement ()
Taxes ()
Roth Conversion ()
Other Topics
Continue
Link

Tune in Every Weekend

Saturdays at 6:30 a.m. on CBS 8 San Diego

View Showtimes
Link

Subscribe to Our Podcast

Every Saturday at 10 a.m. on San Diego’s Talk, AM 760

Subscribe Now
Link

Experience the PURE Difference Today

Get Your Free Assessment

Sign Up for Our Newsletter

Your information is secure.

Give Us a Call:

1 (866) 876-7873

Quick Links:

  • Careers
  • Contact Us
  • Designations and Certifications
  • Form ADV 2A
  • Partner with Pure
  • Pure Financial App
  • Cookie Policy
  • Privacy Policy
  • Privacy Statement

Connect with Us:

  • Youtube
  • Twitter
  • LinkedIn
  • Facebook
Back To Top
Refunds available upon written notice  
© Copyright 2023. Pure Financial Advisors, LLC. All rights reserved.
Manage Cookie Consent
We use cookies to optimize our website and our service.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}
Manage Cookie Consent
We use cookies to optimize our website and our service.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage vendors Read more about these purposes
View preferences
{title} {title} {title}
CLOSE
CLOSE
CLOSE
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Subscribe to YMYW

YMYW Email Newsletter
YMYW on YouTube
YMYW Podcast
CLOSE
CLOSE
X
ALL LOCATIONS

JOB DESCRIPTION

CLOSE

Ask Joe & Big Al on Air

Do you have a question for Joe & Big Al? Ask them on air. Ask your question below or call us directly at 1-888-994-6257.

CLOSE

Special Offer

Submit the form to claim your offer.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Sign Up for a Class

Join us for a financial planning course designed to help you make knowledgeable decisions and prepare for your future. We cover a wide range of topics and answer the most common questions about retirement.

Plan for your retirement today and secure a better future for tomorrow.

Click here to sign up today!
CLOSE

Get Your Chili Piper Test

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Congress Approves The SECURE Act

For more information on what you need to know about The Secure Act, download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

  • Hidden
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE
CLOSE

Get Your Free Assessment

Sign up for a free two-meeting assessment with a Certified Financial Planner™ professional today! Submit the form below or call us directly at 1 (866) 876-7873.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

 

CLOSE

Join Our Market Newsletter

Let us help you stay up to date on the latest news, analyses and insights into the financial matters that mean the most. Take control of your financial future, Sign up today!

Your information is secure.

CLOSE

We’ll do our best to respond within two business days. Submit the form below or call us directly at 1 (866) 876-7873.

Your information is secure.

CLOSE

White Papers

Download your white paper here! Submit the form below or call us directly at 1 (866) 876-7873.

By completing this form, you agree to receive emails from Pure Financial.
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Request ADV

The ADV brochure provides information about the qualifications and business practices of Pure Financial Advisors, LLC. Submit the form below or call us directly at 1 (866) 876-7873.

Your information is secure.

CLOSE

Secure Client Login

Pure Financial Advisors provides links for secure access to view your comprehensive personal financial plan, your private document vault and your investment performance reports through this web page. We want you to feel completely organized and in control of your finances. Your planner is always here to help as your personal financial coach.

Financial Plan & Vault

Investment Performance

CLOSE

Talk to an Advisor

Your path to personalized financial advice starts here. Submit the form below or call us directly at 1 (866) 876-7873 to see how one of our trusted advisors can help you.

  • Hidden
  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

YMYW Newsletter

Listen to the latest episodes of the Your Money, Your Wealth® podcast free, on-demand, delivered right to your email inbox! Watch new episodes of the Your Money, Your Wealth® television show as soon as they’re available!

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

CLOSE

Your Money, Your Wealth

Join the YMYW Newsletter!

Sign up today and receive highlights from
Your Money, Your Wealth® once a week.

  • This field is for validation purposes and should be left unchanged.

Your information is secure.

NO THANKS